1. If a credit card is overdue for more than 3 months, it will also cause overdue records to be displayed on the personal credit report.

2. Defaults will be shown on personal credit reports, affecting personal credit scores and credit records.

a. Overdue records will reduce personal credit scores and make it more difficult to apply for loans, credit, etc.

b. Banks and financial institutions will blacklist overdue individuals, which is likely to affect subsequent loan qualifications.

c. Defaults may be publicized, causing long-term effects on an individual's credit and reputation.

3. To prevent overdue records from appearing in personal credit reports, the following measures need to be taken:

a. Pay off overdue debts in a timely manner and remove the overdue status as soon as possible.

b. Communicate with banks or financial institutions, try to reach a repayment agreement and seek preferential measures such as penalty interest reduction or exemption.

c. Establish a good repayment record and pay credit card bills and other borrowings on time.

d. Improve personal credit scores, increase borrowing capacity and the reliability of credit records.

4. Summary: A credit card that is overdue for more than 3 months will cause overdue records to be displayed on personal credit reports, which will affect personal credit scores and credit records. Ways to avoid showing up on your past due record include paying off your balance promptly, negotiating repayments with the institution, improving your credit score and establishing a good repayment history.

5.

Extended information: China’s personal credit report is managed by the Credit Report Center of the People’s Bank of China. According to regulatory requirements, bad credit behaviors such as overdue credit cards will be recorded in the personal credit report Reporting. This information will be used to comprehensively assess personal credit risks and affect personal borrowing and credit status. In order to maintain a good credit record, individuals should consciously abide by the provisions of the loan contract and repay the loan on time. At the same time, individuals can also check personal credit reports to promptly discover and correct erroneous information to protect personal credit rights.